Travel Insurance Recommendations

jammy_c

jammy_c

Suspended / Banned
Messages
991
Name
James
Edit My Images
Yes
My (soon to be) wife and I are off to Florida for a fortnight soon, any recommendations for travel insurance companies? :thinking:
 
I think i just read your review on DooYoo or ReviewCentre. :lol: they do seem good, well... as good as insurance companies get.
 
the post office offer a good deal on travel insurance. i used to work for them and had to sell it to customers on a daily bases. I use them whenever i go away now
 
Another :thumbs: for the Post Office and you can get your dollars there too :D
 
the post office offer a good deal on travel insurance. i used to work for them and had to sell it to customers on a daily bases. I use them whenever i go away now
Click to expand...

I tried the Post Office and they quoted £112, the going rate at the three others i checked was around £60-70 for similar/very slightly higher level of cover.
 
Direct Line Travel Insurance have some good reviews, they're cover is good and is £69 for our trip :thinking:
 
Try to get one that will pay your bills in the event of an accident/emergency for you, rather than you having to claim back. When I did my leg in in Auckland, my insurance paid for my return flights (a week later than I was meant to return), I can't remember if I had to settle the extended hotel bill, but I had to pay for and claim back my medical expenses (I had no problem with the claim btw).
 
Try to get one that will pay your bills in the event of an accident/emergency for you, rather than you having to claim back. When I did my leg in in Auckland, my insurance paid for my return flights (a week later than I was meant to return), I can't remember if I had to settle the extended hotel bill, but I had to pay for and claim back my medical expenses (I had no problem with the claim btw).
Click to expand...
Who was that with? they all say that they cover for things like that on the website, but they don't tend to say if they pay it upfront or reimburse later.
 
I can't remember, it was a deal through work which made it worth it.

I'm sure they do say if they pay or if you have to claim - reviews should inform you. The key thing, though is to have the cover in the first place ;) - I suspect if you do get in to trouble and struggle credit wise, then they'll have a way to help. In my case the most expensive part was a one-way business class flight from Auckland to Heathrow (I could not go cattle class due to my leg) and that part they picked up.
 
Use Moneysupermarket to search for best policy http://www.moneysupermarket.com/travelinsurance/ make sure it is Worldwide and includes USA as some do not. Also check what the excess is on each of the policies offered.
For a couple of pounds more you can get a policy with much lower excess, do not just go for the cheapest.

I bought a year's cover for under £30 worldwide. :)
 
Last edited:
will they include cameras or what would that come under. i need some for a trip to bali :D:D
 
I used insure and go for years - reasonable rates, but thankfully never had to make any claims, so don't know how well they handle claims.
 
I used insure and go for years - reasonable rates, but thankfully never had to make any claims, so don't know how well they handle claims.
Click to expand...
insure and go have got a pretty bad reputation for handling claims from what i read, but they are very competetive on thier pricing.

one of the best sets of reviews i read was for Direct Line travel insurance, and the quote was £69 for single trip to the US for a fortnight with pretty comprehensive cover including personal belongings under £500 (sunglasses, phone, etc) and no excess payable.
I decided to go with them mainly because they display the full 45 pages (PDF) of the insurance cover T's & C's so you know exactly what you are, and are not, covered for before you pay for a contract.

will they include cameras or what would that come under. i need some for a trip to bali
Click to expand...
Don't think most will cover cameras. maybe a compact worth ~£100, but if you are taking something a bit more "DSLR-ish" :lol: then i'd go for proper specialist cover. I have just taken out DSLR insurance for my D40, kit lens, & 70-300mmVR lens. that's costing me £4/month and includes 30 days worldwide cover through photoguard :thumbs:
 
Last edited:
Check your home insurance. While I pay a premium I have my camera gear covered this way and it includes some thing like 90 days abroad. It was also cheaper than going with the dedicated camera insurance companies.
 
dapprman said:
Check your home insurance. While I pay a premium I have my camera gear covered this way and it includes some thing like 90 days abroad. It was also cheaper than going with the dedicated camera insurance companies.
Click to expand...
That's true, but my home insurance charge £150 excess on equipment like cameras/phones/etc and don't cover for water damage. also the increased premium to add the SLR and lenses as "valuable items" by more than £4, so i thought i'd go with photoguard.
Good point, though! ;)
 
jammy_c said:
That's true, but my home insurance charge £150 excess on equipment like cameras/phones/etc and don't cover for water damage. also the increased premium to add the SLR and lenses as "valuable items" by more than £4, so i thought i'd go with photoguard.
Good point, though! ;)
Click to expand...
I've also got the £150 excess on a claim, but as mine was £75 cheaper before international travel was taken in to account by the specialists, it works out cheaper in the long run for me with my policy :)
 
dapprman said:
I've also got the £150 excess on a claim, but as mine was £75 cheaper before international travel was taken in to account by the specialists, it works out cheaper in the long run for me with my policy :)
Click to expand...
fair enough. :) I suppose it depends on how often you go away. 30 days international cover is good enough for me. if I was after 60 days, for example, and extended my SLR insurance cover it'd cost a lot more compared to home insurance probably.
 
You must log in or register to reply here.
Back
Top